Consumer history graphics

Abstract

Apparatus for calculating and displaying a banking customer's banking history is provided. The apparatus may include a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals. Each of the plurality of deposits and each of the plurality of withdrawals may be associated with a numerical value and a calendar date. The apparatus may further include a graphical user interface. The graphical user interface may be configured to display a timeline in a first screen region. The timeline may include a plurality of demarcations, each of the demarcations being associated with a calendar date. The graphical user interface may be further configured to display in a second screen region a plurality of balloons. Each of the plurality of balloons may display one or more deposits and withdrawals included in the first set of data.

1 . Apparatus for calculating and displaying a banking customer's banking history, the apparatus comprising:
 a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals, wherein each of the plurality of deposits and each of the plurality of withdrawals are associated with a numerical value and a calendar date;   a processor configured to display on a graphical user interface a timeline, the timeline being displayed in a first screen region and the timeline including a plurality of demarcations, each of the demarcations being associated with a calendar date, the timeline comprising a vertical or horizontal line;   the processor being further configured to display on the graphical user interface a plurality of balloons and an indicator that associates each of the plurality of balloons with a demarcation, each of the plurality of balloons being displayed in a second screen region, wherein:
 each of the plurality of balloons includes information relating to one or more deposits included in the plurality of deposits or information relating to one or more withdrawals included in the plurality of withdrawals, the one or more deposits or the one or more withdrawals being associated with the same calendar date; and 
 a two-dimensional area occupied by each of the plurality of balloons is determined at least in part based on a sum of the values associated with the one or more deposits or the one or more withdrawals; 
   a receiver being configured to receive a repositioning command in response to the receipt of a second set of data relating to one or more deposits and one or more withdrawals; and   in response to the repositioning command, the graphical user interface being further configured to reposition the location of at least one of the plurality of balloons.   
     
     
         2 . (canceled) 
     
     
         3 . The apparatus of  claim 2  wherein the one or more deposits or the one or more withdrawals are associated with the same calendar date as the demarcation associated with the balloon. 
     
     
         4 . The apparatus of  claim 1  wherein the data relating to the plurality of withdrawals includes data relating to the payment of a credit card bill. 
     
     
         5 . The apparatus of  claim 1  wherein the data relating to the plurality of withdrawals includes data relating to usage of a debit card to withdraw funds from a bank account. 
     
     
         6 . The apparatus of  claim 1  wherein the data relating to the plurality of deposits includes data relating to a deposit of a check at an automated teller machine. 
     
     
         7 . The apparatus of  claim 1  wherein the data relating to the plurality of deposits includes data relating to the deposit of a check using an automatic transmission of funds from an employer to the banking customer. 
     
     
         8 . One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for calculating and displaying a banking customer's banking history, the method comprising:
 using a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals, wherein each of the plurality of deposits are associated with a positive numerical value and a calendar date and each of the plurality of withdrawals are associated with a negative numerical value and a calendar date;   using a processor to display on a graphical user interface a timeline included in a first screen region, the timeline including a plurality of demarcations, each of the demarcations being associated with a calendar date;   using the processor to further display on the graphical user interface a plurality of balloons included in a second screen region, wherein:
 each of the plurality of balloons includes information relating to one or more deposits included in the plurality of deposits and information relating to one or more withdrawals included in the plurality of withdrawals, the one or more deposits and the one or more withdrawals being associated with the same calendar date; and 
 a size of a two-dimensional area occupied by each of the plurality of balloons is determined at least in part based on a sum of the absolute values of each of the values associated with the one or more deposits and the one or more withdrawals associated with the same calendar date; 
   using a receiver to receive a repositioning command in response to the receipt of a second set of data relating to one or more deposits and one or more withdrawals; and   in response to the repositioning command, using the processor to reposition the location of at least one of the plurality of balloons.   
     
     
         9 . The computer readable media of  claim 8  wherein, in the method, the processor is further configured to display on the graphical user interface an indicator that associates each balloon with a demarcation. 
     
     
         10 . The computer readable media of  claim 9  wherein, in the method, the one or more deposits and the one or more withdrawals are associated with the same calendar date as the demarcation associated with the balloon. 
     
     
         11 . The computer readable media of  claim 8  wherein, in the method, the data relating to the plurality of withdrawals includes data relating to the payment of a credit card bill. 
     
     
         12 . The computer readable media of  claim 8  wherein, in the method, the data relating to the plurality of withdrawals includes data relating to usage of a debit card to withdraw funds from a bank account. 
     
     
         13 . The method of  claim 8  wherein the data relating to the plurality of deposits includes data relating to a deposit of a check at an automated teller machine. 
     
     
         14 . The computer readable media of  claim 8  wherein, in the method, the data relating to the plurality of deposits includes data relating to the deposit of a check using an automatic transmission of funds from an employer to the banking customer. 
     
     
         15 . The computer readable media of  claim 8  wherein, in the method, in the event that a sum of the values associated with the one or more deposits and the one or more withdrawals is negative, the two-dimensional area occupied by the balloon is displayed in the color red. 
     
     
         16 . The computer readable media of  claim 8  wherein, in the method, in the event that a sum of the values associated with the one or more deposits and the one or more withdrawals is positive, the two-dimensional area occupied by the balloon is displayed in the color green.